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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,077 | $54,690-37.7% | $76,030-55.2% | $74,478-54.2% |
| Participation rate | 45.3% | 60.3%-15.1pp | 69.1%-23.8pp | 67.2%-22.0pp |
| Annual return | 17.61% | 31.92%-14.3pp | 361.54%-343.9pp | 1370.56%-1352.9pp |
| Employer contribution / active EE | $1,800 | $1,781+1.0% | $2,688-33.0% | $2,626-31.5% |
| Participant deferral / active EE | $3,866 | $3,070+25.9% | $4,257-9.2% | $4,350-11.1% |
| Admin fee / account holder | $1,022 | $2,240-54.4% | $6,421-84.1% | $1,946-47.5% |